{"id":1681,"date":"2026-01-07T06:20:58","date_gmt":"2026-01-07T06:20:58","guid":{"rendered":"https:\/\/cardgrid.in\/blog\/?p=1681"},"modified":"2026-01-23T10:47:39","modified_gmt":"2026-01-23T10:47:39","slug":"icici-credit-card-reward-points","status":"publish","type":"post","link":"https:\/\/cardgrid.in\/blog\/icici-credit-card-reward-points\/","title":{"rendered":"ICICI Credit Card Reward Points 2026 : How To Reedem & Earn?"},"content":{"rendered":"

ICICI Credit Card Reward Points<\/b> are one of the biggest reasons people choose an ICICI credit card for their daily spending. Whether you shop online, dine at restaurants, book travel, or pay utility bills, you earn ICICI reward points<\/b> on almost every eligible transaction. These points work like a value-back system, where your regular spends slowly turn into real benefits such as vouchers, products, or travel bookings.<\/p>\n

The best part about ICICI credit card reward points<\/b> is their flexibility. You can accumulate points over time and redeem them in multiple ways based on your needs. However, the ICICI credit card reward points value<\/b> may vary depending on how and where you redeem them, which makes it important to understand how the system works. In this guide, we\u2019ll explain how ICICI credit card points<\/b> are earned, their actual value, and the smartest ways to use them to get maximum benefits from your card issued by ICICI Bank<\/b>.<\/p>\n

\"ICICI<\/h2>\n

Top ICICI Credit Cards for Reward Points<\/b><\/span><\/h2>\n

ICICI Bank reward points<\/b> are designed to give you extra value on your everyday spending. Whether you use a credit card or a debit card, ICICI allows you to earn points on eligible transactions and later use them for vouchers, products, or travel bookings. Understanding how ICICI Bank redeem reward points<\/b> works is important because the actual benefit depends on where and how you redeem them.<\/p>\n

Also Read: SBI Credit Card Reward Points Value In Rupees May 2026<\/a><\/strong><\/span><\/em><\/p>\n

Many users earn points regularly but are unsure about the ICICI credit card points value<\/b> or the correct ICICI redeem<\/b> process. The redemption value can change based on the option you choose, such as shopping vouchers, merchandise, or travel. ICICI also offers ICICI Bank debit card reward points<\/b>, though the earning and value structure may differ from credit cards. The table below explains the basics in a simple and clear way, as offered by ICICI Bank<\/b>.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

ICICI Bank Credit Card<\/b><\/p>\n<\/td>\n

\n

Annual Fee<\/b><\/p>\n<\/td>\n

\n

Reward Benefits<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Bank Coral Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b9500<\/p>\n<\/td>\n

\n

\u2022 2 PAYBACK points on every \u20b9100 spent (except fuel)<\/p>\n

\u2022 1 PAYBACK point on every \u20b9100 spent on utilities and insurance<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Bank Rubyx Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b92,000<\/p>\n<\/td>\n

\n

\u2022 2 reward points on every \u20b9100 domestic spend (except fuel)<\/p>\n

\u2022 4 reward points on every \u20b9100 international spend<\/p>\n

\u2022 1 reward point on every \u20b9100 spent on utilities and insurance<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Bank Sapphiro Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b93,500<\/p>\n<\/td>\n

\n

\u2022 2 reward points on every \u20b9100 domestic spend (except fuel)<\/p>\n

\u2022 4 reward points on every \u20b9100 international spend<\/p>\n

\u2022 1 reward point on every \u20b9100 spent on utilities and insurance<\/p>\n<\/td>\n<\/tr>\n

\n

MakeMyTrip ICICI Bank Platinum Credit Card<\/b><\/p>\n<\/td>\n

\n

Nil<\/p>\n<\/td>\n

\n

\u2022 1 My Cash per \u20b9200 domestic spend and 1.25 My Cash per \u20b9200 international spend (outside MakeMyTrip)<\/p>\n

\u2022 2 My Cash per \u20b9200 on flight bookings and 3 My Cash per \u20b9200 on hotel\/holiday bookings via MakeMyTrip<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Platinum Chip Credit Card<\/b><\/p>\n<\/td>\n

\n

Nil<\/p>\n<\/td>\n

\n

\u2022 2 reward points per \u20b9100 retail spend (except fuel)<\/p>\n

\u2022 1 reward point per \u20b9100 spent on utilities and insurance<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI HPCL Super Saver Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b9500<\/p>\n<\/td>\n

\n

\u2022 2 reward points per \u20b9100 retail spends (except fuel)<\/p>\n

\u2022 Bonus rewards\/cashback on fuel & utilities at HPCL pumps and via HP Pay app (effectively earns additional rewards)<\/p>\n<\/td>\n<\/tr>\n

\n

Adani One ICICI Platinum Credit Card<\/b><\/p>\n<\/td>\n

\n

~\u20b9750<\/p>\n<\/td>\n

\n

\u2022 3\u20137% Adani reward points on spends across the Adani One ecosystem<\/p>\n

\u2022 Reward points on domestic & international spends<\/p>\n

\u2022 Lounge & lifestyle benefits (bonus rewards on specific categories)<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Bank Emeralde (Private Metal) Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b912,000+<\/p>\n<\/td>\n

\n

\u2022 Higher reward points on all retail spends (e.g., up to 2.5% of value in points)<\/p>\n

\u2022 Milestone reward points on annual spends<\/p>\n

\u2022 Unlimited golf rounds, travel & lifestyle perks along with rewards<\/p>\n<\/td>\n<\/tr>\n

\n

Times Black ICICI Bank Credit Card<\/b><\/p>\n<\/td>\n

\n

\u20b920,000<\/p>\n<\/td>\n

\n

\u2022 ~2% reward points on domestic spends and ~2.5% on international spends<\/p>\n

\u2022 Unlimited lounge access and additional luxury lifestyle benefits (reward point conversions available)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

How To Earn Credit Card Reward Points?<\/span><\/h2>\n

ICICI Bank<\/b> allows you to earn rewards across multiple spending categories, making it easy to collect ICICI reward points<\/b> on your everyday expenses. By using your card smartly, you can increase your ICICI credit card reward points<\/b> balance faster and improve the overall ICICI credit card reward points value<\/b>. Below are some simple and effective ways to earn ICICI credit card points<\/b> efficiently:<\/p>\n